Specialist Mortgages
Specialist lending for DIY Developers- It can be done
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Specialist lending for DIY Developers
Another interesting niche is forming in the specialist lending market – DIY developing. In the past development finance was generally unavailable to inexperienced developers or for small projects. Now new regulated products are coming to market which are specifically aimed at those DIY developers who want to build a house in their back garden and sell it. Similarly it’s available to those who are inexperienced in property development but want to step in to the sector with the help of an experienced builder.
It’s news to no one that we’re in the midst of a housing crisis and more houses are needed whether that be hundreds on a huge estate by a well known developer or one or two by a bespoke firm – every little helps!
Ground up developments including self build, barn conversions and basement excavations can all be financed with a regulated loan and getting planning consent to build at the end of the garden has probably never been easier.
And if you move in to the new house there should be no CGT or income tax to pay as it’s your client’s primary residence.
If you have any clients who fancy themselves as a DIY developer this is the one for them and there are lenders willing to help.
Latest Articles
Whole-of-Market Guidance for Specialist Lending
Securing competitive terms on specialist lending requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your specialist lending options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Key Takeaways: Specialist Lending Summary
Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist residential lenders assess affordability based on real financial circumstances rather than automated credit scoring.
Consequently, home buyers and refinancing borrowers can secure competitive rates across 90+ UK specialist lenders.
Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.
Specifically, flexible repayment options—including fixed-rate and tracker structures—can be tailored to protect your household budget.
Moreover, mortgage facilities can be structured with clear terms to support future financial flexibility and peace of mind.
In addition, non-standard properties and self-employed applicants can be financed without high street retail banking restrictions.
Crucially, borrowers facing historic credit blips or complex income can secure competitive mortgage terms through our panel.
Add Promise Money as a Preferred Source
Want fast, expert guidance on UK property finance? Set Promise Money as your trusted source to prioritise our specialist rate guides, market updates, and mortgage analysis in your Google Search and AI results.
Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.